Hospital Indemnity
Pays you a set cash benefit for a covered hospital stay, often for each day you stay, to help with copays, deductibles or bills at home.
Good for: Medicare Advantage and high-deductible plan members who face daily hospital copays.
Independent NC broker · Multiple carriers
Your health plan doesn't cover everything. Coverage that helps fill the gaps.
Even with Medicare, Medicare Advantage or an employer plan, you can still face big out-of-pocket bills. Matt MacMillan helps you compare supplemental coverage that pays you when life happens.
- Hospital stay copays & deductibles
- Dental cleanings, fillings & dentures
- Eye exams, glasses & contacts
- Cash after a serious diagnosis
- Care at home while you recover
- Plans compared across multiple carriers
No cost and no obligation. Talk directly with Matt MacMillan, a licensed independent broker in Mooresville.
By calling the number above, you will be connected to a licensed insurance agent.
Can be added alongside
- Medicare Advantage
- Original Medicare
- Employer plans
- Individual / ACA plans
These are separate policies that pay on their own terms, in addition to your main coverage.
Coverage options
Simple plans that pay when your main coverage falls short
Each of these can be added on its own, alongside the health coverage you already have. Here's what they do, in plain English.
Dental
Helps pay for cleanings, exams and fillings and, depending on the plan, bigger work like crowns, dentures or implants.
Good for: Anyone without dental benefits. Original Medicare generally doesn't cover routine dental care.
Vision
Helps cover routine eye exams plus an allowance toward glasses or contact lenses.
Good for: Glasses and contact lens wearers. Original Medicare generally doesn't cover routine eye exams or glasses.
Critical Illness
Pays a lump-sum cash benefit if you're diagnosed with a covered condition such as cancer, heart attack or stroke. You decide how to spend it.
Good for: People who want a cushion for treatment costs, travel or lost income after a serious diagnosis.
Home Health Care
Pays a benefit toward covered care at home, such as visiting nurses, therapy or help with daily activities, depending on the plan.
Good for: People who want to recover or age in place at home. Medicare covers home care only in limited situations.
Reviewing Medicare too? See Medicare Advantage in North Carolina →
Want to read first? What does hospital indemnity insurance cover? →
How it works
Three easy steps. No pressure.
Tell Matt what you need
Fill out the short form or call (704) 802-2523. He'll ask about your current coverage and the gaps that worry you.
He compares your options
Plans from the carriers he represents, side by side, with what each one pays and when.
You decide
Ask every question you have. If a plan isn't a good fit, he'll tell you.
Why an independent broker
A broker who works for you, not one insurance company
Supplemental plans can look alike until you compare what triggers a payment, how waiting periods work and how they fit with your Medicare or health plan. Matt walks through those details with you in plain English.
Compare multiple carriers
One application conversation, several insurers' plans side by side.
Local NC broker
Based in Mooresville, with a real person to call before and after you buy.
No pressure
Honest explanations. If a plan isn't a good fit, you'll hear that too.
No cost to talk
Questions, quotes and comparisons cost nothing. There's no obligation.
Questions & answers
Frequently asked questions
General answers below. Exact benefits always depend on the specific plan, so Matt will walk you through the details of any policy you're considering.
What does hospital indemnity insurance pay?
Hospital indemnity plans pay a fixed cash amount for a covered hospital stay, commonly a set benefit per day or per admission. The money is typically paid to you, in addition to anything your health insurance pays. Some plans also include benefits for observation stays, ER visits or ambulance rides; it varies by plan.
How do critical illness cash benefits work?
If you're diagnosed with a condition the policy covers, such as certain cancers, heart attack or stroke, the plan pays a lump sum, usually to you. Covered conditions, benefit amounts and waiting periods vary, and some plans pay a partial benefit for less severe conditions.
Do dental plans have waiting periods?
Often. Many plans cover preventive care soon after you enroll but have waiting periods for major services like crowns, bridges or dentures. Some plans offer shorter or no waiting periods, usually with different costs or benefits.
Can I add these plans to Medicare Advantage or an employer plan?
Generally yes. These are standalone policies that work alongside the coverage you already have and pay on their own terms. Some Medicare Advantage plans already include limited dental or vision benefits, which vary by plan, so Matt will help you see whether an extra policy actually adds value.
What does home health care coverage help with?
Home health care policies pay a benefit toward covered care at home, such as visits from a nurse or therapist or help with daily activities, typically for a set period. Medicare covers home health care only in limited situations and generally doesn't pay for ongoing help with daily activities.
Are these plans a replacement for health insurance?
No. They are supplemental, limited-benefit policies designed to work alongside major medical coverage or Medicare, not replace it.
Does it cost anything to talk with you?
No. Quotes, questions and comparisons cost nothing, and there's no obligation to buy.
The products described here are supplemental, limited-benefit insurance policies. They are not Medicare, not Medicare Supplement (Medigap) and not a substitute for major medical coverage. Coverage is subject to eligibility and underwriting, and plan availability, benefits, waiting periods, limitations and exclusions vary by carrier and state. The MacMillan Agency is not connected with or endorsed by the U.S. government or the federal Medicare program.
Supplemental coverage can help with hospital bills and dental visits
Get a no-cost, no-pressure comparison of supplemental plans from a local North Carolina broker who works for you.
By calling the number above, you will be connected to a licensed insurance agent.